Pennsylvania Paycheck Calculator 2026
Estimate your 2026 take-home pay in Pennsylvania from your salary. It adds the 3.07% Pennsylvania income tax and unemployment compensation to the federal lines, with every rate shown and editable.
Loading the tax rules…
About the Pennsylvania Paycheck Calculator
The Pennsylvania Paycheck Calculator estimates what is left of a salary earned in Pennsylvania in the 2026 tax year, after federal income tax, Social Security, Medicare and the 3.07% Pennsylvania income tax and unemployment compensation. Enter your gross salary per year, month, 4 weeks, 2 weeks or week, choose your filing status and, if you save into a traditional 401(k), the share of pay you defer. The result shows net pay per year, per month and per pay period, the total deductions and their share of your gross pay, and a line-by-line breakdown. Every line names its scope ("United States · federal" or "Pennsylvania"), the 2026 tax year and the rate it charges.
This page opens with Pennsylvania already chosen. The same calculator covers the other states with confirmed 2026 values on the main Net Salary Calculator and the federal Paycheck Calculator.
What comes off a Pennsylvania paycheck
Federal lines
Federal income tax uses the 2026 rate schedule from IRS Rev. Proc. 2025-32 on your wages minus the 401(k) and the standard deduction (16,100 single, 32,200 married filing jointly, 24,150 head of household). Social Security is 6.2% of wages up to 184,500, Medicare 1.45% of all wages, and Additional Medicare 0.9% of wages above 200,000 (250,000 for married filing jointly).
Pennsylvania lines
Pennsylvania adds a flat personal income tax with no standard deduction or personal exemption, and a small unemployment compensation contribution, both on gross wages.
- Income tax: 3.07% of gross wages
- Unemployment compensation: 0.07% of gross wages, no cap
Your 401(k)
Pennsylvania taxes employee retirement contributions when they are made, so a 401(k) lowers federal taxable income but not the Pennsylvania income tax. It does not lower Social Security, Medicare or unemployment compensation either.
Worked example
60,000 a year, single, 5% 401(k)
The 401(k) is 3,000.00. Pennsylvania income tax stays at 3.07% × 60,000 = 1,842.00, and unemployment compensation is 42.00. Federal taxable income is 60,000 − 3,000 − 16,100 = 40,900, so federal tax is 1,240 + 12% of 28,500 = 4,660.00. With Social Security 3,720.00 and Medicare 870.00, net pay is 45,866.00 a year.
What the estimate leaves out
Pennsylvania's local earned income tax (EIT), the local services tax (LST) and Philadelphia's wage tax are not included, and most Pennsylvania workers pay at least one of them. The estimate also leaves out credits such as the child tax credit and the earned income credit, itemised deductions, bonuses and supplemental-wage withholding, and the 2025 law's deductions for tips, overtime, seniors and car-loan interest. Married filing jointly assumes one earner. The page works out the 2026 annual liability, not the amount your employer withholds from each paycheck under Publication 15-T, so a payslip can differ by a little each period.
Edit and reset the rates
Every rate sits in the Tax rates panel as a field, with its scope, the tax year and its default beside it. Thresholds, wage bases and allowances show as read-only text. Change a rate and the result updates at once, with an "Edited" marker on the field; Reset to 2026 defaults puts every rate back. Changing the state also restores the defaults. To see what your gross pay is before any tax, use the Gross Pay Calculator.
Official sources
The rules are checked against these pages; the header of the calculator shows the month they were last checked.
Privacy
Nothing is uploaded; every calculation runs in your browser and never leaves your device. Your salary and the rates you enter are not stored or sent anywhere.
Frequently asked questions
What comes off a paycheck in Pennsylvania?
Federal income tax, Social Security (6.2% up to 184,500) and Medicare (1.45%, plus 0.9% above 200,000). Pennsylvania adds a flat 3.07% income tax on gross wages and unemployment compensation of 0.07%.
Does a 401(k) lower Pennsylvania taxes?
No. Pennsylvania taxes employee retirement contributions when they are made, so a 401(k) lowers federal income tax only and the 3.07% state tax stays the same.
Are local taxes in Pennsylvania included?
No. The local earned income tax, the local services tax and Philadelphia's wage tax are not included, and most workers pay at least one of them.
What is take-home pay on 60,000 with a 5% 401(k) in Pennsylvania?
Pennsylvania income tax stays at 1,842.00 and unemployment compensation is 42.00; federal income tax falls to 4,660.00, so take-home pay is 45,866.00 a year.
Can I change the Pennsylvania rates?
Yes. Every federal and Pennsylvania rate is a field in the Tax rates panel with its 2026 default beside it. Edit any of them to see the effect, and press Reset to 2026 defaults to restore them all.